Total Visa credit card review
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The Total Visa® credit card is for people with poor or limited credit and is a great tool for rebuilding credit. While the Total Visa® card is an unsecured credit card and will not require a deposit for approval, it still comes with fees and a high APR.  

In this review, I will show you if you should consider this card for rebuilding your credit. I’ll help you can understand how Total Visa® card works, its benefits, and its shortcomings.

Total Visa® Credit Card Review & Ratings

Total Visa®

6.5 out of 10

If you have poor or damaged credit you might consider Total Visa® as one of the rare credit cards you can get approved for.
On the positive side, it’s a genuine Visa credit card and you don’t need to put down a security deposit because it is an unsecured card. However, when you add up all the fees, you might be better off going with a secured card.



Credit building tool

A genuine Visa credit card

Doesn't require perfect credit

Reports to all 3 major credit bureaus

Approval in 60 Seconds


Annual fee: $75.00 for the first year, $48 after that

High APR (34.99%)

$89 one-time fee

$6.25 monthly fee

Credit limit increase fee

The Total Visa® Card was created by The Bank of Missouri mainly to help people who have little, poor, or no credit.

Since this card is unsecured, it also means that there isn’t any type of security deposit required to get approved for this card. However, a lack of a deposit doesn’t mean this card is cheap. To use this card you will get knocked over the head for a solid amount of fees so be aware of those.

Total Visa®

Start rebuilding your credit with a Total Visa® credit card today!

Apply Now →

What Makes Total Visa® Different?

People with bad credit usually have a limited choice of unsecured credit cards. What stands out most about the Total Visa® Card from The Bank Of Missouri is that it was specifically designed for helping people with bad or poor credit to rebuild their credit profile.

This card will report to all three major credit card bureaus which in turn will help you build your credit history. 

You can get an initial credit limit of usually around $300.00 which is pretty standard for this type of card. The entire application process is fast and you can complete it online in just a couple of minutes. You know if you are approved in less than 60 seconds.

About the Issuer

The Bank of Missouri has been in business for more than 125 years and has been through the Great Depression and two World Wars. 

They serve millions of card members nationwide and have been awarded a 5-Star Rating from BauerFinancial, Inc., an independent bank rating company. 

Total Visa® Credit Card Features

The Total Visa card has several features that make it a good option to start with when rebuilding your credit. The main features of this card include: 

  • Card type: unsecured
  • Credit score needed for Total Visa® card: Fair/bad credit
  • Easy application and fast approval process
  • Manageable monthly payments
  • Reports monthly to all three major credit bureaus
  • Accepted by merchants throughout the USA and online
  • Checking account required

The Total Visa® Card can help you establish a solid payment history. 

Total Visa® Credit Card Rates and Fees

Below are some of the basic features of the Total Visa® Unsecured Credit Card:

  • Interest rate: 34.99%
  • Program fee: $89 (one-time-fee)
  • Monthly Servicing fee: $6.25 per month after the first year
  • Annual fee: $75.00 for first year. After that, $48.00 annually
  • Rewards: None
  • Security deposit: None
  • Foreign transaction fee: N/A – You can’t use this card outside of the U.S.
  • Cash advance fee: None in the first year / $5.00 or 5%, whichever is greater.
  • Cash advance APR: 34.99%
  • Late payment fee: Up to $40.00
  • Returned payment fee: Up to $40.00
  • Over The Credit Limit: None

The card comes with a (one-time) $89.00 fee that is due upon your approval before you have access to your account and the card is activated.

Once the card has been activated, an annual fee (see terms) will be deducted from your available credit.  In the past, this has been $75 but you’ll have to see the terms for current fees.

However, based on a previous fee of $75, if your credit limit was $300.00 then your initial available credit will be $225.00.

You need to make sure you pay it immediately so that your card doesn’t report a balance.

If you plan to let the fee report, be sure to make the minimum payment if one is required. 

After the first year, your annual fee will decrease to $48.00; however, you will start to have a monthly servicing fee of $6.25 per month. 

This means after the first year your annual fee is $123.00. As you can see, these are huge fees, especially if you have a small limit.

Total Visa® Application Process and Requirements

In order to apply for a Total Visa® card you must meet the following requirements:

  • Be a US citizes
  • Be over the age of 18

To apply for a Total Visa® credit card you simply fill in an application form online. You will be asked to provide the following information:

  • Your full name
  • Emal address
  • Home address
  • Your home and mobile phone number (optional)
  • You need to confirm that you have a checking account
  • Your DOB and SSN
  • Information about your employment and income

All that’s left is to pick the design for your new card. Here are the designs you can choose from.

Total Visa® credit card designs to choose from
Total Visa® credit card designs to choose from

⚠️ There is a “hard” pull on your credit if you decide to apply for the card.

💡 Tip: If your application goes to “Pending” status it doesn’t mean Declined. Usually, more information may be needed.

Total Visa® Credit Limit Increase

One of the worst things about this card is that there is a fee to increase your credit limit. I mean, they are going to charge you, to give you more money to spend, I believe it is absolutely the worst policy a company could have.

Total Visa® Credit Limit Increase Fee

After your account has been open for at least one year, a fee of 20% of the amount of any increase in your credit limit may be charged to your account as a credit limit increase fee.

👉 For example: if your credit limit is increased by $100, a $20.00 credit limit increase fee will be assessed, which will result in additional available credit of $80.00 on your account. This fee is automatically assessed upon your acceptance of each credit limit increase

Credit limit increases are an essential part of building your credit. However, I would never recommend using this feature for this card.

Total Visa®

Start rebuilding your credit with a Total Visa® credit card today!

Apply Now →

Total Visa® Credit Card Pros & Cons

Available to people with bad creditHigh APR
Can help establish a payment historyHigh fees
Easy & fast approvalCredit limit increase fee
Genuine unsecured Visa card
Reports to all 3 major credit bureaus

Total Visa® Credit Card Alternatives

Since Total Visa is primarily marketed towards people with bad credit we have looked into alternatives that match that criteria. Discover credit cards similar to Total Visa and check out some of our favorite credit-building tools.

Credit Cards for Poor Credit

While credit card options for people with poor credit are typically much narrower than those in the good or fair categories, you can still find a variety of choices.

Find the ‘bad credit’ credit cards most likely to accept you. Help repair your poor credit score and compare the best credit cards for bad credit.

Best Credit Cards for Poor Credit

No matter if you are looking to start building your credit or need to rebuild your credit, a secured credit card is one of the best tools to use on your journey.

Best Secured Credit Cards

Credit Building Tools

There are many different ways to improve your credit score, other than getting a new credit card. Here are some of our favorites:

Experian logo

Experian Boost can help you build your credit record with phone and utility payments… and it’s absolutely free!.

Try Experian Boost Now!

Self online credit builder loans are straightforward to apply for and the application process is easy.

Learn More

Steps To Take After You’re Approved

The real work starts once you have been approved for your Total Visa® card.

Monitor Your Credit

One of the most overlooked areas of building credit is monitoring your credit. This is truly your first line of defense when trying to build or rebuild your credit.

You should try to find a service that allows you to monitor all 3 of your reports.

Credit Sesame logo

Monitor Your Credit for FREE!

Credit Sesame’s 100% free credit monitoring service is hassle-free with no strings attached.

Get Started Now →

Make On Time Payments

Making on-time payments sounds like a super simple thing to do. However, we all live in the real world where things almost never go as planned.

Be sure, no matter what, to make your payments on time because it is super important and is one of the largest factors in your credit score.

No matter what, avoid late payments.

Keep Your Credit Utilization Low

Another factor to consider is credit utilization, you really want to keep this under 3% of total credit if you can but try to never get it over 15%.

👉 For example: If your Total Visa credit card has a $300 limit try to not spend over $45.
Spending $60 on a $300 card limit means that you are utilizing around 20% of your credit on that card. That is above the recommended credit utilization percentage, so be mindful of how much you spend.

How Do I Close My Total Visa® Credit Card?

You can close your account at any time by contacting their Customer Service Department or with the information below:

Email: [email protected]

Postal Address: Total VISAP.O. Box 85710Sioux Falls, SD 57118-5710

For questions about your application or to pay your program fee, you can call (844) 206-4371.

To check your account balance, make a payment, or for other general customer service inquiries, you can call (844) 548-9721.

NOTE: They advise you not to send them or ask for sensitive information such as account numbers, passwords, account information, etc. via any general or public e-mail system.

Is There A Fee For Closing My Account?

Outside of the fees associated with your remaining balance, there is no fee for closing your account.


Hopefully, you found this Total Visa® Review helpful because rebuilding your credit can be difficult and confusing.

There is no better time than now to get things started and the sooner you get your account set up, the faster it will hit your reports and start helping your credit.

Having the card in your wallet is going to feel great, but growing your credit is going to feel even better. 

Remember, if this option is too expensive for you, check out the other options above that can give you the same results.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved, or otherwise endorsed by any of these entities prior to publication.